AAA Home Insurance Review: Service, Cost & More (2024)


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 22, 2024

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Does AAA Have Good Customer Service?

AAA homeowners insurance received a MoneyGeek score of 84 out of 100 based on affordability, customer satisfaction and financial stability ratings. AAA is one of the more affordable companies for homeowners insurance and gets good customer satisfaction scores. It also ranks highly in financial stability and has a 0.37 NAIC complaints ratio, indicating it receives fewer complaints than average.

Customer Satisfaction Rating

AAA ranks among the top five homeowners insurance companies for customer satisfaction, according to a 2021 J.D Power customer satisfaction survey, with an overall score of 834 out of 1,000. When choosing a homeowners insurance provider, the customer satisfaction rating is important since it indicates the quality of service you can expect. MoneyGeek ranks AAA at 3.96 out of 5 for customer service.

Customer Complaint Index

Compared to the average median NAIC complaints ratio of 1.00, AAA has a fewer than average complaints ratio of 0.37. This means AAA homeowners insurance receives fewer complaints than the average insurance company.

Financial Stability Rating

AM Best gives AAA’s financial strength an A (Excellent) rating meaning that this insurer has an excellent capacity to meet its financial obligations to customers. Financial strength is an important metric to consider when choosing a homeowners insurance company since it indicates the company’s ability to fulfill claims.

What to Expect From AAA Homeowners Insurance

Setting up a homeowners insurance policy with AAA is a straightforward process you can complete online. If you do not know where to start, MoneyGeek breaks down the key steps to getting a AAA homeowners insurance policy.

1
Getting a quote

You can get a AAA homeowners insurance quote online. Simply fill in your details on the company’s website and submit the provided form for an instant quote.

2
Customer support

AAA has dedicated customer support available at 833-833-4970, but hours of operation will depend on your location. You can also reach the company via email.

3
Filing a claim

You can file a claim online by logging into your AAA account. Alternatively, you can call a representative on the 24/7 hotline specific to your area.

4
Canceling your policy

You can cancel AAA homeowners insurance online by logging into your account and requesting a cancellation or by speaking to an agent on the phone.

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FILING A HOMEOWNERS INSURANCE CLAIM WITH AAA

AAA gives policyholders several options to file homeowners insurance claims, including filing your claim online after logging into your account on the company website. You can also call an agent 24/7 on the hotline that applies to your specific AAA club area. Alternatively, you can file your claim in person by finding a AAA local agent in your area.

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STATE AVAILABILITY

AAA offers homeowners insurance in Washington, D.C. and the following 25 states: Alaska, Arizona, California, Colorado, Connecticut, Delaware, Idaho, Indiana, Kansas, Kentucky, Maryland, Montana, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Virginia, Washington, West Virginia and Wyoming.

How Much Does AAA Homeowners Insurance Cost?

To find out how much AAA homeowners insurance costs, you can get an instant personalized quote on the AAA website or from a AAA agent. On average, homeowners insurance costs $1,979 per year, but actual rates will depend on your location, dwelling coverage, age and other considerations.

Dwelling Coverage
Annual Premium

100,000

$3,098

250,000

$2,142

500,000

$1,656

For the average homeowner, $250,000 in dwelling coverage offers sufficient protection, but it is best to figure out how much homeowners insurance you need by assessing the value of your home.

To get a homeowners insurance estimate based on your profile, use MoneyGeek’s home insurance calculator below.

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Rates updated:

Jun 13, 2024

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User Info
California
26-29
Excellent (750-850)
Home
$500,000
$500
$150,000
$100,000
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User Info
California
26-29
Excellent (750-850)
Home
$500,000
$500
$150,000
$100,000
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MONEYGEEK EXPERT TIP

You can lower your homeowners insurance premiums by decreasing your coverage limits and increasing your deductible. However, if you need to rebuild, low coverage limits may leave you with high out-of-pocket costs.

What Discounts Does AAA Offer?

AAA advertises five discounts for its homeowners insurance policies, less than the average seven discounts most companies offer. However, apart from standard discounts, such as bundling and new home discounts, AAA offers rarer discounts for seniors over age 55.

Discount
Description

Bundle

You can bundle your auto insurance and AAA homeowners insurance policies for a discount on your premium.

Protective Device

AAA gives homeowners discounts for installing protective systems, such as burglar alarms and fire or smoke detectors.

Senior

If you are 55 or older, AAA will give you a discount on your homeowners insurance policy.

Home Renovation

Major home renovations can make you eligible for AAA homeowners insurance discounts, depending on the type of renovation and when it was completed.

New Home

AAA offers discounts for newly constructed homes so you can save on premiums if your home is new.

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MONEYGEEK EXPERT TIP

AAA offers bundling discounts when you combine your home insurance policy with the company’s auto policy. You can save significantly on premiums if you are already a AAA auto insurance customer and purchase a AAA homeowners insurance policy.

Which Coverage Types Does AAA Offer?

Apart from the standard coverages, AAA advertises four optional coverages, fewer than the average most companies offer. Some of AAA’s standard coverages include personal property, personal liability, loss of use and jewelry and valuables coverages. You can also customize your policy with add-on coverages, like scheduled personal property or umbrella coverage.

AAA homeowners insurance also offers optional earthquake and flood damage coverage, if you live in an earthquake or flood-prone area.

AAA homeowners insurance offers limited endorsements or optional add-ons. You can choose from four available optional coverages.

1
Scheduled personal property

Allows you to purchase increased coverage for valuables that cost more than your personal property limits.

2
Flood

Reimburses you for damage to your home and personal belongings caused by floodwater.

3
Earthquake

Covers the cost of repairs to your home, personal property and additional living expenses if your residence becomes uninhabitable due to earthquake damage.

4
Umbrella

Protects against liability claims that go beyond your standard home policy’s limits.

When shopping for homeowners insurance, it’s important to choose a provider that offers all the standard coverages. You can then compare quotes from different providers to get the best options based on your needs.

Depending on where you live, you may need flood or earthquake coverage, but most insurers do not include these. You may have to purchase them as add-ons or as a separate policy. Always check the fine print to see if the level of coverage you need is included in your homeowners insurance coverage.

Dwelling
Personal Property
Personal Liability
Jewelry and Valuables
Medical Payments
Loss of Use

What Online Homeowners Insurance Tools Does AAA Offer?

AAA’s convenient online tools allow you to get an instant personalized quote, file claims and manage your account. Policyholders can log into their accounts to file claims, make payments or check their payment history, making it easy to manage your account from anywhere. You can also use the free AAA Mobile app to manage your account.

Online Quote Tool
Online Account Management
AAA Mobile App

Other AAA Insurance Products

AAA offers insurance products in addition to homeowners insurance. The availability of different insurance products may vary depending on your location, so check with your local AAA agent for insurance coverages available in your area. Some of the other insurance products AAA offers are outlined below.

Type of Product
Description

Auto Insurance

AAA auto insurance provides coverage for vehicles and includes unique coverages, such as OEM and personal property coverage. You can bundle AAA auto and homeowners policies to get discounts on your premium.

Life Insurance

AAA offers universal, term and whole life insurance policies to cover the policyholder in the event of death.

Business Insurance

AAA offers business insurance policies to cover business property, employees and business liability.

Travel Insurance

You can buy travel insurance from AAA to cover trip cancellations, interruptions and emergency medical care.

Methodology

To evaluate AAA as a homeowners insurance company, MoneyGeek analyzed the AAA website, manually collected quotes and consulted consumer intelligence organizations, such as J.D. Power, the NAIC and AM Best.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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